Best Car Insurance Companies in East Africa (2025–2026)

A practical, up-to-date guide to reputable car (motor) insurance providers across East Africa—what they cover, where they operate, and how to choose.

Updated: August 23, 2025

Note: “Best” here means widely used, financially solid, and transparent about cover/claims—and regulated locally. Availability and benefits vary by country. Always confirm current terms and premiums before buying.

Methodology

We reviewed regional insurers with clear motor (car) products and a footprint in the East African Community (EAC: Kenya, Uganda, Tanzania, Rwanda, Burundi, South Sudan). We checked official product pages, regulator guidance, and regional presence. We prioritize brands with transparent cover types (Comprehensive, Third Party, Third Party Fire & Theft), digital servicing and claims support, and local licensing.

Editor’s Shortlist (by regional footprint + clarity)

Jubilee / Jubilee Allianz

Kenya Uganda Tanzania

Strong regional brand with established motor products and options like COMESA cover (Tanzania) for cross-border trips.

See details

UAP Old Mutual

Kenya Uganda South Sudan

Comprehensive and Third Party motor covers, with flexible options and visible country pages (Uganda, South Sudan).

See details

ICEA LION Group

Kenya Uganda Tanzania

Clear product pages for motor private/commercial; strong digital servicing in Kenya and established presence regionally.

See details

Britam

Kenya Rwanda South Sudan

Comprehensive motor products with active country sites (Rwanda, South Sudan); strong brand in Kenya.

See details

Sanlam / SanlamAllianz

Kenya Tanzania Rwanda

Offers motor products across markets (incl. Rwanda’s SanlamAllianz) with tiered packages and regional backing.

See details

National / Local Standouts

Strong local choices include: GA Insurance (UG), NIC General (UG), Alliance Insurance (TZ), Radiant (RW), APA (KE).

See details

Top Companies (Profiles)

1) Jubilee / Jubilee Allianz

Where they operate (EAC): Kenya, Uganda, Tanzania.

What they offer: Comprehensive and Third Party motor covers; in Tanzania, COMESA third-party certificate option for regional travel.
Why they’re notable: Longstanding East African brand with clear motor product pages and regional servicing.
Good for: Drivers who need cross-border recognition and established claims handling.

Sources: Jubilee Kenya motor product page; Jubilee Allianz Uganda motor overview; Jubilee Allianz Tanzania motor & COMESA info.

2) UAP Old Mutual

Where they operate (EAC): Kenya, Uganda, South Sudan.

What they offer: Comprehensive, Third Party, and TPFT covers; flexible private motor options in Uganda; visible motor pages for South Sudan.
Why they’re notable: Strong East African footprint with clear online quotes and policy info (Uganda).
Good for: Drivers who want straightforward comprehensive cover with options and digital servicing.

Sources: UAP Old Mutual Uganda motor; quote portal; UAP Old Mutual South Sudan motor.

3) ICEA LION Group

Where they operate (EAC): Kenya, Uganda, Tanzania.

What they offer: Private and commercial motor covers with Comprehensive, TP, and TPFT options; easy product navigation.
Why they’re notable: Established regional group with consumer-friendly info pages and growing digital services.
Good for: Families and SMEs wanting a one-stop provider operating in multiple EAC markets.

Sources: ICEA LION Uganda motor product; ICEA Kenya/Tanzania group pages.

4) Britam

Where they operate (EAC): Kenya, Rwanda, South Sudan (plus wider regional presence).

What they offer: Comprehensive motor insurance with standard perils and third-party liability; active country pages in Rwanda and South Sudan.
Why they’re notable: Strong Kenyan brand with regional subsidiaries and clear motor pages.
Good for: Drivers who want a recognizable regional insurer with local offices.

Sources: Britam Rwanda – Motor; Britam South Sudan – Motor; Britam Group site.

5) Sanlam / SanlamAllianz

Where they operate (EAC): Kenya, Tanzania, Rwanda (SanlamAllianz).

What they offer: Tiered private motor packages (e.g., Gold/Silver/Bronze in Rwanda) plus standard comprehensive/third-party options.
Why they’re notable: Large pan-African group with local general insurance entities and digital resources.
Good for: Drivers who value brand scale and tiered benefits.

Sources: SanlamAllianz Rwanda – Motor Private; Sanlam country sites.

6) Notable Local Standouts (Country-by-Country)

Country	Company	Why Consider It	Learn More
Uganda	GA Insurance Uganda	Clear motor-private page; comprehensive/TP covers; active promotions (e.g., trackers) from time to time.	Product page
Uganda	NIC General (NIC Holdings)	Legacy national insurer; explains Comprehensive vs TPFT vs TP.	Comprehensive cover
Tanzania	Alliance Insurance	Recognized motor provider; third-party & comprehensive; app-driven servicing.	Product page
Rwanda	Radiant Insurance	Local insurer with clear motor categories; growing market share.	Motor page
Kenya	APA Insurance	Well-known private motor cover (Comprehensive/TPFT/TP), strong digital footprint.	Motor private

These are examples of credible local options in each market; always confirm licensing and current terms.

Quick Comparison (coverage & footprint)

Insurer	Typical Cover Types	Digital/Online Info	Notable Extras	EAC Presence*
Jubilee / Jubilee Allianz	Comprehensive, Third Party, TPFT	Kenya, Uganda, Tanzania pages	COMESA third-party option (TZ)	KE, UG, TZ
UAP Old Mutual	Comprehensive, Third Party, TPFT	UG quote & product pages	Strong regional network	KE, UG, SS
ICEA LION	Comprehensive, Third Party, TPFT	UG product page + KE/TZ group	Good private/commercial options	KE, UG, TZ
Britam	Comprehensive, Third Party	RW & SS motor pages	Strong KE base	KE, RW, SS
Sanlam / SanlamAllianz	Comprehensive, Third Party	RW (tiered packages)	Pan-African group scale	KE, TZ, RW

*Presence shown here reflects visible product/country pages as of the update date; check each insurer for additional markets or partners.

How to Choose the Right Car Insurance (East Africa)

1) Understand cover types

Comprehensive: Widest cover (own-damage, theft, fire) + third-party liability.
Third Party Fire & Theft (TPFT): TP plus fire/theft for your car.
Third Party (TP): Liability to others. Often the legal minimum.

Local guidance: IRA Uganda explains motor classes and TP requirements; BNR regulates insurance in Rwanda.

2) Verify licensing

Kenya: Insurance Regulatory Authority (IRA).
Uganda: Insurance Regulatory Authority of Uganda (IRAU).
Tanzania: Tanzania Insurance Regulatory Authority (TIRA) – cover note verification tools exist.
Rwanda: National Bank of Rwanda (BNR) supervises insurance.

3) Match add-ons to your usage

Excess protector, political violence/strikes, roadside assistance, windscreen & audio limits.
Cross-border travel? Ask about COMESA third-party certificates.

4) Compare service & claims

Turnaround time, approved garages, 24/7 helplines.
Digital claims/renewals (web, app, WhatsApp).

Frequently Asked Questions

In many EAC countries a Third Party policy is the legal minimum for vehicles on public roads. Always check your country’s current law and ensure your cover note/policy is valid and verifiable with your regulator.

Comprehensive gives the broadest protection (own-damage + third-party). TPFT is a midpoint if you want fire/theft without full own-damage. TP only protects others and is typically the minimum required by law. Consider vehicle value, finance requirements, and risk tolerance.

Some insurers offer a COMESA Yellow Card or similar third-party recognition. Ask your insurer (e.g., Jubilee Allianz TZ references COMESA options) and confirm the list of participating countries before travel.

References & Official Sources

Jubilee Kenya – Motor Insurance: https://jubileeinsurance.com/ke/product/motor-insurance/
Jubilee Allianz Uganda – Motor: https://jubilee-allianz.com/ug/press_media/Motor_Insurance_with_Jubilee_Allianz.html
Jubilee Allianz Tanzania – Motor & COMESA: https://www.jubileeallianz.co.tz/tz/products/motor_vehicle_insurance.html
UAP Old Mutual Uganda – Motor (Private): https://www.uapoldmutual.co.ug/personal/insure/motor-private
UAP Old Mutual Uganda – Motor Quote: https://www.uapoldmutual.co.ug/motor-insurance-ug/get-quote
UAP Old Mutual South Sudan – Motor: https://ss.uapoldmutual.com/individual/motor-insurance/
ICEA LION Uganda – Motor Insurance: https://icealion.co.ug/products/motor-insurance/
ICEA LION Group – Kenya: https://icealion.co.ke/
ICEA LION Group – Tanzania: https://www.icealion.co.tz/
Britam Rwanda – Motor: https://rw.britam.com/home/personal/protect-what-you-love/britam-motor-insurance
Britam South Sudan – Motor: https://ss.britam.com/home/personal/protect-what-you-love/britam-motor-insurance
Britam Kenya – Group site: https://ke.britam.com/
SanlamAllianz Rwanda – Motor Private: https://rw.sanlamallianz.com/general-insurance/individuals/motor
Sanlam Tanzania – Country site: https://www.sanlam.co.za/tanzania/Pages/default.aspx
Sanlam Kenya – Country site: https://www.sanlam.co.za/kenya/Pages/default.aspx
GA Insurance Uganda – Motor Private: https://www.gainsuranceltd.com/ug/insurance/motor-private-insurance-in-uganda/
NIC General (Uganda) – Comprehensive: https://www.nic.co.ug/product/comprehensive-cover/
Alliance Insurance (Tanzania) – Motor: https://alliance.co.tz/products/motor/
Radiant Insurance (Rwanda) – Motor: https://radiant.co.rw/services/motor/
APA Insurance (Kenya) – Motor Private: https://www.apainsurance.org/product_detail_motor
Kenya – Insurance Regulatory Authority (IRA): https://online.ira.go.ke/
Uganda – Insurance Regulatory Authority (IRAU): https://ira.go.ug/ (Motor TP regulations & guidance available)
Tanzania – Tanzania Insurance Regulatory Authority (TIRA): https://tiramis.tira.go.tz/ (cover note verification)
Rwanda – National Bank of Rwanda (BNR) Insurance supervision: https://www.bnr.rw/insurances

Regulatory links help you verify that your policy/cover note is valid and that your insurer is licensed in that market.

Bottom Line

For most drivers, start by getting quotes from one regional and one local insurer in your country—for example, Jubilee/Jubilee Allianz and GA (UG) in Uganda; ICEA LION and APA in Kenya; or Sanlam/Alliance in Tanzania—then compare comprehensive benefits (excess protector, windscreen limits, roadside assistance) and claims support. If you travel across borders, ask about COMESA options.

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Best Car Insurance Companies in East Africa (2025–2026)

Methodology